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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $64,787 | $108,825-40.5% | $156,181-58.5% | $82,448-21.4% |
| Participation rate | 43.8% | 72.4%-28.6pp | 78.8%-35.1pp | 68.1%-24.3pp |
| Annual return | 17.95% | 20.59%-2.6pp | 64.87%-46.9pp | 41.64%-23.7pp |
| Employer contribution / active EE | $1,683 | $2,870-41.3% | $4,294-60.8% | $2,551-34.0% |
| Participant deferral / active EE | $3,221 | $4,577-29.6% | $6,132-47.5% | $4,139-22.2% |
| Admin fee / account holder | $3,179 | $9,341-66.0% | $14,586-78.2% | $7,234-56.1% |